Living in Cartagena: the ultimate expat guide

Cartagena's job market centers on tourism, hospitality, port logistics, and petrochemical industries. The city serves as Colombia's main cruise port and a major Caribbean shipping hub, creating employment in related sectors. For international professionals, opportunities exist in hospitality management, English teaching, remote work, and business services catering to the tourism industry.

Employment Landscape

Colombia's national unemployment rate stood at 8.2% in September 2025, down from 9.1% the previous year. The labor market continues to strengthen, with manufacturing and service sectors leading job creation. In Cartagena specifically, tourism-related employment peaks during high season (December-April), while port and industrial positions offer more stable year-round work. Many expats work remotely for international companies or establish businesses in tourism, real estate, or hospitality.

Work Visas and Permits

Foreign nationals need proper authorization to work legally in Colombia. The Migrant (M) Visa covers various work situations including employment contracts, business ownership, and freelance work. The popular Digital Nomad Visa allows remote workers to stay up to two years, requiring proof of income at least 3 times the Colombian minimum wage (approximately USD 1,000/month). After holding an M Visa for 2-5 years (depending on category), you may apply for a permanent Resident (R) Visa.

The following table shows key employment indicators for Colombia:

Sources: DANE Colombia, Trading Economics

Cartagena offers solid options for higher education, anchored by the prestigious Universidad de Cartagena, one of Colombia's oldest and most respected public institutions. The city hosts approximately 30,000 university students across various institutions, creating a youthful energy that complements its historic character.

Major Universities

The Universidad de Cartagena, founded in 1827, is the city's flagship institution and the only public university in the Caribbean region with High-Quality Institutional Accreditation from Colombia's Ministry of Education. It offers undergraduate and graduate programs across 11 faculties including medicine, law, engineering, and economics. The university enrolls 10,000-15,000 students and ranks among the top public universities in Colombia.

The Universidad Tecnológica de Bolívar (UTB) is a respected private institution offering programs in engineering, business, and social sciences with a strong focus on research and industry partnerships. Other institutions include Universidad de San Buenaventura and several technical colleges.

Tuition and Admission

Public university tuition at Universidad de Cartagena is highly affordable, starting from approximately USD 1,000 per year depending on the program. Private universities charge higher fees but remain competitive compared to North American or European institutions. International students typically need to validate their secondary education credentials through Colombia's Ministry of Education and demonstrate Spanish proficiency for most programs. Some graduate programs offer English-language instruction.

Sources: Universidad de Cartagena, Universidad Tecnológica de Bolívar

Cartagena has become an increasingly popular retirement destination, attracting retirees from North America and Europe with its combination of affordable living, quality healthcare, warm climate, and rich cultural offerings. The city provides the infrastructure and lifestyle that make long-term retirement comfortable and enjoyable.

Retirement Visa Options

Colombia offers a dedicated Retirement Visa (M Visa - Pensionado category) for foreign retirees. To qualify, applicants must demonstrate a stable monthly pension income of at least 3 times the Colombian minimum wage—approximately COP 4,270,500 (USD 1,000)/month as of 2025. The visa is valid for up to three years and can be renewed. After holding this visa continuously for five years, retirees may apply for permanent residency through the Resident (R) Visa.

Healthcare for Retirees

Colombia's healthcare system ranks 22nd globally according to the World Health Organization, outperforming many developed nations. Retirees can enroll in the public EPS (Entidades Promotoras de Salud) system at affordable rates—typically 12% of declared pension income, or around USD 70-85/month per couple. The EPS has no maximum age limit for enrollment, unlike some private insurers. Many retirees combine EPS coverage with private supplemental insurance (prepagada) for faster access to specialists and private hospitals. Popular private insurers include SURA, Seguros Bolívar, and Colpatria.

Cost of Retirement

Retired couples can live comfortably in Cartagena on USD 2,000-2,500/month, including rent, healthcare, utilities, and leisure activities. This budget allows for a quality apartment in a desirable neighborhood, regular dining out, and domestic travel. Those with larger budgets can enjoy luxury accommodations and more frequent international travel while still spending less than they would in most North American cities.

Sources: Colombian Ministry of Foreign Affairs, World Health Organization

Cartagena offers several international and bilingual schools that cater to expat families, providing quality education with globally recognized curricula. While the selection is smaller than in Bogotá or Medellín, families will find options covering American, British, and International Baccalaureate programs.

Top International Schools

Colegio Jorge Washington (COJOWA) is Cartagena's leading American international school, offering an English-based curriculum from preschool through Grade 12. Accredited by the Southern Association of Colleges and Schools (SACS), COJOWA prepares students for both the U.S. High School Diploma and the Colombian Bachillerato. The school emphasizes bilingualism and provides strong preparation for North American universities.

Colegio Británico de Cartagena follows the British curriculum combined with the International Baccalaureate (IB) Diploma Programme. With over 40 years of educational experience, the school offers a bilingual environment from preschool through secondary education, with Cognia accreditation and a focus on emotional intelligence.

Montessori Cartagena International School provides an alternative approach following Montessori philosophy with bilingual instruction. Aspaen Gimnasio Cartagena de Indias is part of Colombia's Aspaen network, offering bilingual education with emphasis on personal development.

Enrollment and Fees

Most international schools require entrance evaluations and previous academic records. Annual tuition varies significantly, typically ranging from USD 5,000 to USD 15,000 depending on the institution and grade level. Registration fees and additional costs for uniforms, materials, and activities apply. Schools operate on Calendar B (August-June), aligning with the Northern Hemisphere academic year.

Sources: Colegio Jorge Washington, Colegio Británico de Cartagena

Finding housing in Cartagena offers diverse options, from colonial apartments in the historic center to modern high-rises overlooking the Caribbean. Rental prices remain attractive compared to major North American cities, though tourist-popular areas command premium rates. Understanding the city's neighborhoods helps newcomers find the right fit for their lifestyle and budget.

Popular Neighborhoods for Expats

Bocagrande is Cartagena's most developed beach neighborhood, featuring high-rise condominiums, shopping centers, restaurants, and direct beach access. This modern area attracts expats seeking contemporary amenities and ocean views. Castillogrande and El Laguito, located on the same peninsula, offer similar beachfront living with a quieter atmosphere.

Centro Histórico (Walled City) provides the quintessential Cartagena experience—living among colorful colonial buildings, cobblestone streets, and historic plazas. Apartments here often feature high ceilings, interior courtyards, and proximity to restaurants and cultural attractions, though noise levels can be high.

Getsemaní, adjacent to the walled city, has transformed into a trendy neighborhood known for street art, boutique hotels, and a lively nightlife scene. Manga offers a more residential feel with tree-lined streets, traditional houses, and a family-friendly environment at lower prices than Bocagrande.

Rental Prices and Process

Rental costs vary considerably by neighborhood and apartment type. Expect to pay a security deposit of 1-2 months' rent upfront. Many landlords prefer longer lease terms (6-12 months) and may require a Colombian guarantor or additional deposit for foreign tenants.

Sources: Numbeo, local real estate listings

Cartagena offers an exceptional blend of historical attractions, beach activities, and cultural events that keep residents engaged year-round. From exploring centuries-old fortifications to relaxing on Caribbean islands, the city provides diverse entertainment options for every interest.

Historical and Cultural Attractions

The Walled City (Ciudad Amurallada) is Cartagena's crown jewel—a UNESCO World Heritage Site filled with colonial churches, plazas, and colorful buildings. Key landmarks include the Castillo San Felipe de Barajas, the largest Spanish fortress in the Americas, and the Palace of the Inquisition, now a museum of colonial history. The Museo del Oro Zenú showcases pre-Colombian gold artifacts, while numerous art galleries dot the historic streets.

Getsemaní has emerged as Cartagena's artistic hub, featuring vibrant street murals and trendy rooftop bars. Plaza de la Trinidad comes alive in the evenings with locals and visitors enjoying the open-air atmosphere.

Beaches and Islands

The Rosario Islands, located 45 minutes by boat from Cartagena, offer crystal-clear waters ideal for snorkeling and diving. Day trips are popular, though some islands have small hotels for overnight stays. Playa Blanca on Barú Island provides a stunning white-sand beach experience. Bocagrande's beach, while not the most pristine, offers convenient access for residents.

Annual Events and Festivals

Cartagena hosts world-class cultural events throughout the year. The Hay Festival (January) brings international authors and thinkers for literary discussions. The Cartagena International Music Festival (January) features classical performances in historic venues. The Cartagena Film Festival (FICCI) in April is Latin America's oldest film festival. November's Independence Festival celebrates the city's liberation from Spain with parades, concerts, and the Miss Colombia pageant.

Sources: Cartagena Tourism, Hay Festival

Daily life in Cartagena follows a relaxed Caribbean rhythm that differs markedly from fast-paced urban centers. The warm tropical climate influences everything from working hours to social customs, and newcomers quickly adapt to a lifestyle that prioritizes relationships and outdoor living.

Getting Around

Cartagena offers several transportation options. Transcaribe, the city's Bus Rapid Transit (BRT) system launched in 2016, provides modern, air-conditioned buses running on dedicated lanes along major routes. A single ride costs COP 3,000-3,400 (~USD 0.70-0.80), and you'll need to purchase a rechargeable TuLlave card at stations. The system connects Bocagrande, the historic center, and residential neighborhoods effectively.

Taxis are abundant and affordable, with typical rides within the city costing USD 2-5. Ride-sharing apps including Uber, DiDi, and InDriver operate in Cartagena and often offer competitive pricing. The historic center and Getsemaní are highly walkable, making foot travel the best way to explore these areas.

Climate and Lifestyle

Cartagena's tropical climate means year-round warmth with temperatures averaging 28-32°C (82-90°F). The dry season runs from December to April, while the rainy season (May-November) brings afternoon showers that rarely last long. Air conditioning is essential and significantly impacts electricity bills, which can reach USD 100-150/month in apartments using AC regularly.

The local pace of life is relaxed, with shops often closing for extended lunch breaks. Spanish is essential for daily interactions outside tourist areas, though English is increasingly common in Bocagrande and the walled city. Supermarkets like Éxito and Carulla stock international products, while local markets offer fresh produce at lower prices.

Sources: Transcaribe, Lonely Planet

Cartagena offers an attractive cost of living compared to North America and Europe, though it's among the pricier cities in Colombia due to its popularity with tourists. Careful budgeting allows for a comfortable lifestyle at a fraction of what you might spend in cities like Miami or Los Angeles.

Monthly Budget for a Single Person

A single person can live comfortably in Cartagena on USD 1,000-1,500/month, depending on lifestyle choices and neighborhood. Budget-conscious residents can manage on less, while those preferring modern apartments in Bocagrande with frequent dining out should plan for the higher end.

Monthly Budget for a Family of Four

Families should budget USD 2,000-3,000/month for a comfortable lifestyle, with school fees representing a significant additional expense if children attend international schools.

Sources: Numbeo, Expatistan